Calculating machine



April 29, 1924. 1,491,800

. R. S. HENDERSON CALCULATING MACHINE Filed April 27. 1921 3 Sheets-Sheet 1 A ril 29, '1924. 1,491,800

R. s. HENDERSON CALCULATING MACHINE April 29. 1924. 1,491,800

' R. S. HENDERSON CALCULATING MACHINE I Filed April 27. 1921 3 Sheets-Sheet 5 Q G Q3: 3 @333: "14 3:33:33 3 l---QO Q 5:55 "5 Hm I $1 N -NH'"! 5 8 i 0000011.! 00a 7 1 nnnouzz no 0001333: aaasssss 001M000 onus 001666 00200000 00133.13: 00256555 00300000 l Patented Apr. 29.1924.

I of time.

* UNITED; STATES PATENT," oFFlcE.

Bonner s. nsiwnunson, or ALMA CENTER, WISCONSIN.

' CALCULATIN MACHINE.

Application filed April 27, 1921. Serial No. 464,794.

To all whom it may concern: Q H

Be it known that I,v ROBERT S. HENDER- soN, a citizen of the United States, residing at Alma Center, in the county of-Jackson and State of Wisconsin, haveinvented new and useful Improvements in Calculating Machines, of which thefollowing is a full,

clear, concise, and exact description, reference being had to the accompanyin drawing, forming apart of this specification.

. y invention relates to a calculating machine and it has special reference to such devices as may be employed for the rapid and accurate ascertainment of interest on any probable amounts for various eriods Mioreover, my invention re ates to devices of the" aforementioned character wherein the locating of decimal points in the various ascertained amountsis correctly effected through the agency of a mechani-' cal contrivance forming a part of my present invention. i

One ob ect of myinvention 1s to provide a device of the character indicated above said future calendar datewill arrive.

future calendar date when given a definite calendar date and the intervening period of timein days at the termination of which the The device of my'present invention, which I designate as an interest calculating machine, is of great convenience in the rapid calculation of interest on interestbearing rincipals at any of the common interest rates I I or any of the usual interest periods of time.

For this purpose, it is well adapted for use in banks where it is'desired to determine interest amounts for any of the usual rates of interest. Again, my device; comprises a very few number of parts none of which is delic'ate'orintricate and is capable of being operated by unskilled persons who do not require any special trainingv to use it expeditiously. My device, moreover, is simple and economical to construct and by reason of its simplicity may .be marketed for a very reasonable sum.

' a consideration of Figs.

.For a better understanding of. my invention reference may be had to the accompanying drawings; in which,

Fig. 1 is an elevational side View of a device embodying my invention; I

, Fig. 2 is an end elevational view of the device illustrated in Fig. 1;

Fig. 3 is an elevational sectional view taken on the line 3 of Fig. 2;

Figs. 4,5 and 6 are fragmentary, elevational and sectional views illustrating va- I rious details embodied in my invention; and

I Fig. 7 is an enlarged side elevational view of a device embodying a form of my invention, thesame being enlarged to such an ex tent that itis possible to illustrate therewith the manner in which a problem may be solved thereupon.

Referring now more particularly to the drawings, my device comprises a frame member having a base 10 from which, rise legs 11, cross pieces 12 and side pieces 13 being mounted on said legs whereby a cradle is formed. Suspended within the aforesaid cradle is a shaft 14 upon which are mounted spiders 15-15,.16

and 17. Sheets of any desired material are wrappedaround these spiders to form cylindrical surfaces 18, 19, and thereabout,

respectively. In this connection it will be noted thatthe cylinders 19 and 20 are so mounted on an enlarged collar portion of the left hand spider 15 and are so locked against longitudinal movement therealong by a collar 21 that said cylinders 19 and 20 may be rotated independently of the eyla inder 18. Again as will be noted from 5 and 6 in connection with Fig. 3,. the outer ring portion of the spider 16 is provided with aplurality of circumferentially extending sockets or pits 22 while the outer ring portion of the spider 17 has mounted thereupon a spring member 23, havin associated therewith a detent 24 whic is adapted to be biased normallyinto the sockets 22 to hold the cylinders 19 and 20 together unless sufiicient. force is exerted whereby one may be moved in relation to the other, the detent 24 then slippin over the sockets 22 by reason of the flexibi ity of the spring 23. The purpose of this construction will be hereinafter more fully set forth. A knob or handle 25 is provided at each end of the shaft 14 whereby the cylinder 18 may be rotated when desired.

Extending transversely of the cylinders heretofore described 18 what I hai -u r i a slot 21 cr- Will call a registry bar 26, hayine tending parallel with its longer dime This bar is secured to one of the side t 13 in such manner that it fits quite to the surface of the cylinder 18 as snow most clearly in Fig. 4-.

A. inoyahle her provided with 1; rality of indicating points is orori lez at its lower left hand edege with l e 30. This bar is adapted to he I tudinally along the r 'izti t l 3 of its disposition in a longr i ing pocket as best shown in Q. i being formed by the angle our 31 .0v 3. posed on top of the bar 96.

Likewise mounted on the low bar 2-6 and at the left side of t half circular dial ineinher 3S it. thi in moves an indicatii I porn. 1' 2 ing fastened to Set. the V are adapted to engage tl of the bar 29 wherel of the pointer 33 to y t the dial 32, the ha position the indicati r A various precalcu ated positions with r L t to the indicia which will hereinatter he \l -scr hed) observable through the slot 27. ill he i l i: t noted that at the ri ht hand end 7 2s a slot 35 is engaged by an not 36 on the angle bar 31, thus it lateral ino en'ient of the ha: i tain predetermined hunts and serving to support this bar in s l. c i. Referring now to the a n "Action of my device it will he understood th on that portion of the cylinder 18 d t 37 the nunih *1 oi days is indica ed as shown,

the position oi these numbers of days he predetermined by calcua ion a ti 2 i c 'e are eight places in e1 I n Ufilll'PS. Oi course. I may have a; of place; in -ach rong depending pcration I dcs "e.

The p01 tion of the registry her 26 which is coextensive with the number of days" portion on the cylinder 18 has indicated there upon a plurality of amounts designated Per centf2rate of interest. The in eating points 29 on the her 28 are nu. e;

from 10 to 90, these numbers correspondinto those appearing at the heads of the columns on the portion of the cylinder. Further, the dial 3.2 is diyit d into equispaced circumferential ptrtions which ore designated from .10 to 1000.000 and it is noted that the pointer 33 can he moved to any desired designation and there frictioually secured through the use of a spring hissed hutton 39.

As I have above intiinatt" appearing in the column 10 90 have heen :11 precalcination one are placed on the dcr in e e-ordinate rel: of days. appearing on tir heen so co-ordh 18 is moved rela try bar an observer may it i desired result directly from the ii said colui ms 10 90 Ol)SG3..GlllQ throiujg'h the slot n nection it should he noted th tends all the iy acrosx the in e nuinher oi de s are ohrzervuhle therethroufrh shown in Fig. 7. In addition to the nu are indicated on the spa l8, 2* calendar is lo tcd at the er-tt idge of said cy Lder and, as the (ltP-TS oi" months n U nion as it any o 11:. d in a co umn an pla ed under the pr ced ng The cylinder 19 has shown. consecutiye irizrh or understood that these nun! the davs on the edge of the S and i'liilz'. the name ot a m nth ippears on the cylinder 18 at 2 correspond in, space on the cylinder 19.

l j the indci eudentlg' rotatahle cyl- ,ms the calendar hy months and ouoted thcrem-ound in exactly the same lion and in par: llel ('i)-.' -1 ll1]tltl )n to those displayed on the left hand edge u iinder 18.

now described the physical construction oi my device will illustrate the nr nc ple of its operation by sta ing a prohlczn as slxown in Fig. 7 and point out the inner in which the same may be solved in a simple and expeditimis inainzer with my in much the scalendar were ccccding da 3 no o . ryi to nos,

e five percent per annuni.

The fi operation inyolycd is that required to determine the inunher ol days for which interest must he paid on th sum des- The cylinder 1 8 is 'irst turned relto the bill 26 until the earlier date, 1 1 6th. ohservahle, as shown tnrough the slot 97 near the extreme left end therec't. T he cylinder 19 is next turned until a stop 39, which I oned on said cylinder opposite the figure zero thereupon, engages a projection 40 on the side frame 13 just opposite the slot 2. It should be under stood also that there are 3 5 of; the sockets iii i one of the numbers appearingon the cylin- "revolve the -'cylinder 18 unti1 we find the figure 27 days observable through the slot 27 and under the interest rate at which we are calculating, in this particular instance V .35

der 19. The next operation is the. turning of the cylinder" 20 to the right until June 6 is observable through the slot'27. This is possible because suehcylinderflO can be turned to overcome the engagement between the button Q land the socket 22,'inasmuch as the cylinder 19 is held stationary against clockwise movement by the stop 39 abutting against the shoulder 40. The designation of the three cylinders is therefor June 6 0 *x June 6. If now, the

' cylinde r 20 be turned in an anti-clockwise direction until the" designation ,July 3 is ob servablethrough the slot 27 and remember ing that the spring member 23 looks the cylinders l9 and 20 together. it will be seen that when said designation"5Ji1ly 3 is observabl'e, there will also appear through the slot 27 that number of days on the cylinder 19 which intervenes between June 6th and July 3rd, since' zero was initially'set opposite June 6th and since the cylinders'have been moved backward together.

In the problem stated we find that 27 is the number observable through theslot; 27

and therefore this is the number of days during which .int'erest must be paid. Having determined the number of days we next 5. When the cylinder 18 has been rotated into this position we are now ready'to read 0d the interestamount for the various sums making upthe principal amount.

It will be observedthat the columns on the portion38 on the cylinder are numbers 10, 20, etc, up to 90, inasmuch as the principal amount upon which we are calculating, has

as its first significant figure 1 and. ,inasmuch as this figure 1 stands in the fourth position to the left ofthe decimal point we read in column 10 the amount of interest which is'due for twenty seven days on $1,000.00; In order'to determine theposition of the decimal point in the interest l amountjust found, bylooking, at the row of figures in column 10observable through the slot 27, we turn the indicator 33 to the designation 1000 on the dial 32. This causes a movement of the bar 28 to bring significant figure in $300.00 and at the same marked 2 on the bar 28. 1

time we inovethe indicator to the 100 position whereby the decimal point is indicated as shown by the designating point 29 In like manner we proceed to [ind the interest for'$40.00, then for $7 .00 and finally -for $.90 and after setting these sums down as shown at the right of Fig. 7. we add the amount together and thereby determine the correct interest amount for the principal amount designated.

- From the foregoing description it will be obvious'to those skilled in the art that I have'provided' a device wherein all of the necessary calculations for finding the interest ona designated principal are made calculation is so combined with the interest calculating function of my machine that an extremely simple. and compactdevice ensues.

I have provided a linolite 41 positioned just above the slotil'? and have shaded this light by a transverselyiextending hood 42 whereby the figures which are observed through the slot 27 may be read with a minimum of effort. I v

'While I have described but one embodiment of myinvention it is obvious that many modifications therein may occur to those skilled in. the art andI desire, therefore, that my invention be considered in its broadest aspects and be limited. only by the showing of the prior art and by the scope, of the appended claims.

Having thusdescribed my invention what I now claim asnew' and desire to secure by Letters Patent is 1. An interest calculating devicecomprising' a rotatable cylinder having groups of figures arranged thereupon in columns and rows, the groups of figures in each of said columns representing interest sums for principalspossessing the same significant figure and at different interest rates for different interest periods and the groups of figures in each of said rows representing interest sums for principals of all amounts and for designated significant figures, a register bar whereby selected rows comprising said groups of figures maybe exhibited, a decimal indicator adjacent to said register, a dial having arranged thereon figures representing multiples of principal amounts, and a pointer playing over said dial and adapted to move said decimal indicator in accord with the interest bearing principal in order to automatically position the decimal point on the interest amount corresponding to the interest bearing principal.

2. An interest calculating crevice comprising rotatable cylinder on the surface of which interest periods measured in time are arranged in alignment with interest on amounts in the form of principals tor various interest bearing principals, a transverse bar upon which interest rates are arranged, means for moving said cylinder with said transverse bar relatively to each other in order to move predetermined interest periods in alignment with the desired rates of interest whereby the interest amounts for the desired principal maybe determined, a register where said interest amount may be exhibited, an indicator upon which figures are arranged in alinement with the columns of figures representing interest amounts, pointers severally aiiined to said figures on said indicator for locating the decimal point in the interest amount exhibited at said register, a dial having arranged thereon figures representing multiples of principal amounts, and a pointer playing over said dial and adapted to move said indicator in accord with the value of the interest bearing principal.

3. An interest calculating device comprising a rotatable cylinder on the surface of which interest periods are grouped in columns representing various rates of interest and in alignment with said interest periods are grouped interest amounts arranged in columns that represent interest bearing principals oi the nine possible significant numbers, a register bar where interest amounts may be exhibited by rotating said cylinder relative thereto, an indicator adjacent to said register bar for indicating the decimal point in said interest amount, and means for eating said indicator in accord with the interest bearing principal upon which the interest value tor the proper interest period is desired.

i. In a machine of the character described comprising a rotatable cylinder having circumferentially arranged thereupon divisions which are labeled with the days of a calendar year and separate figure columns adjacent thereto each for a designated interestrate, the figures representing interest periods, means adjacent to said divisions comprisino' a plurality of rotatable discs hearing respectively divisions representing the days of a year and divisions numbered from zero to 365 whereby the interest period between two dates may be indicated and the proper figure of: said columns may be thereupon selected. said cylinder at the end opposite irom said divisions also bearing separate columns of interest amounts each for a designated significant figure, the amounts being in horizontal alignment with their corresponding figures representing interest periods, and a horizontal fixed indicator bar extending over the width of said cylinder and discs.

In a device for determining the interest mount on a given principal, a surface having a plurality of columns of figures thereupon representing interest amounts, a 7'6" ry bar extending t ansversely of said said surface and said bar being colu :elativel mvable whereby said bar may be brought into registry with any row of figures in aid columns, a decimal bar for determining" the position of the decimal point in said registered row of figures, a dial. and a eooperatine pointer for moving said decimal bar in accordance with the position of the first integer of said principal with respect to the decimal point.

6, In a device for determining the interest amount on a given principal. a surface having a plurality of columns of figures thereupon. a registry bar extending transversely of said columns, said surface and said bar being relatively movable whereby said bar may be brought into registry with any row of figures in said columns wherefrom the figures of said interest amount may be read, and means adjustable in accordance with the position of the first inteper in said principal with respect to the decimal point to indicate the position of the decimal point in said interest amount.

7. In a device for determining the interest on a given principal. a surface havinga plurality of columns of figures thereupon, a registry bar extending transversely of said columns. said surface and said bar being relatively movable whereby said bar may be brought into registry with any row.

of figures in said columns, indicating means to determine the position of the decimal point in said registered row of figures in accordance with the first significant figure of the principal bearing sum, and means comprising: a rack portion on said indicating means and a gear, the latter being movable to a plurality of positions corresponding to the position of the first figure of the principal with respect to the decimal point, for moving said indicating means to designate the position of the decimal point in the interest read from said registered row of figures.

8. In a device for determining the interest on a given principal for a given interest period of time and at a given interest rate, a surface having a plurality of columns of figures thereupon, a registry bar extending transversely of said columns, said surface and said bar being relatively movable whereby said bar may be brought into registry with any row of figures in said 001- umns wherefrom the figures of said interest amount may be read, means comprising an" indlcator movable to posltionscorrespond ing to each column for determining the position of the "decimal points in the registered row of each column, the columns from which the interest amount is read on said rows being determined by the significant figure in said principal, a dial having arranged thereon figures representing 1nultiples of principal amounts, and a pointer playing over said dial and adapted to move said indicators as a unit in accordance with the vposition of the significant figure of the principal with respect to the decimal point.

9. An interest calculating device comprising a rotatable cylinder on thesurface of which figures representing interest periods are arranged in alinement with figures rep resenting interest amountsthat in turn are arranged in nine columns corresponding to the nine significant figures representing in- H terest' bearing principal amounts; "a transverse bar upon which figures representing interestrates are arranged in coincidence with columns comprising the interest-period figures arranged on said cylinderra' register bar whereat said 1nterest-amount figures may be exhibited; means for efl'ecting relative movement between said cylinder and said register bar in order that predetermined interest-period figures may be alined with the desired interest-rate figures in order that the interest amount for the desired principal interest rate and interest period may be determined; a decimal indicator upon which figures representing the first significant figures of interest bearin principals are arranged to subtend the sai columns of interest-amount figures on said cylinder, said decimal indicator figures representing the first significant figure of the interest bearing principals having severally afiixed thereto indicators for locating the decimal points in the interest'amonnt figures exhibited at said register bar; a dial having arranged thereon figures representing muitipies oi: said interest-bearing principal amounts: pointer nla *in? over i A L said dial and adapted to niovesaid decimal indicator in accordance with the amount of the interest bearing principal.

In Witness whereof, I have hereunto subscribed my name. r

' ROBERT S. HENDERSON.

Witnesses:

GEO. W. HANsnN, Lrnnnm KAHN. 

